Please note that a lot of the difficulties with respect to taking payment for the OP are coming from two things: - market place for alcohol; - high value of t

Please note that a lot of the difficulties with respect to taking payment for the OP are coming from two things: - market place for alcohol; - high value of the items exchanged, in thousands of £. Everywhere in the world, this would flag a business as dangerous. If you have a simple webservice offer and if you are banking with Barclays, you can get a merchant account with BarclayCard nearly "over the phone". They take a bit of money, have a 45 day retention period per default, but at the end, they are efficient with a reasonably easy to implement interaction API (if you take the hosted payment page).